Find Answers to Common Truck Financing Questions Here

We work with first-time buyers, startup businesses, established fleets, and even those with bad credit. As long as you operate or plan to operate a trucking business, you’re welcome to apply.

Simply fill out our secure online application or call us. It only takes a few minutes to get started. We’ll review your application and reach out with options tailored to your needs.

Yes. We offer bad credit truck financing programs. Our approval process considers the full picture, not just your credit score.

Absolutely. We offer trailer financing, equipment financing, and truck and trailer leasing solutions. You can finance everything your operation needs, all in one place.

Loan terms typically range from 12 to 72 months, depending on the vehicle type, credit history, and your budget preferences. We’ll help you choose the best plan.

Down payments vary, but we have low and no down payment options, especially for qualified applicants. Startup and first-time buyer programs are available, too.

Many clients get approved the same day they apply. In most cases, funding can be finalized within 24–72 hours, depending on documentation and vehicle readiness.

Yes. We offer financing for both new and used trucks and trailers, including dump trucks, flatbeds, dry vans, and more.

Typically, you’ll need:

• A valid driver’s license
  
• Proof of business or EIN
  
• Bank statements or tax returns
  
• Vehicle/trailer quote or invoice

 
Our team will guide you through everything.

We specialize in first-time owner operator truck financing. Even if you’re just starting, we’ll help you secure the right financing plan to hit the road fast.

It depends on your business model. Leasing offers flexibility and lower upfront costs, while financing builds equity in the vehicle. We can help you compare both options.

In most cases, no prepayment penalties apply. You’re free to pay off your loan early and save on interest—just ask about the terms when reviewing your contract.

Yes. Our fleet financing programs are designed for growing businesses that need multiple trucks or trailers. We also offer lines of credit and working capital options.

Click here to talk to a financing expert, or call us at 302 590 0607. We’re happy to guide you through your options and find the right solution for your business.